Business Banker Job at DFCU Bank - Career Opportunity in Uganda

Job details:Reports to: Branch ManagerDFCU
bank is a fast growing commercial bank offering a variety of innovative
products and services. DFCU Limited was started by the Commonwealth
Development Corporation (CDC) of the United Kingdom and the Government
of Uganda through the Uganda Development Corporation (UDC) under the
name of Development Finance Company of Uganda Limited. Later
restructuring brought in DEG (of Germany) and International Finance
Corporation (IFC) as equal partners with CDC and UDC, each having a 25%
stake in the company. Its objective was to support long-term development
projects whose financing needs and risk did not appeal to the then
existing financial commercial lending institutions.Job Summary: The Business Banker will grow and maintain a liability book and a profitable and quality Asset book in the branch.Key Duties and Responsibilities:

Achieve Sales growth and relationship targets

Keenly monitor the branch portfolio to ensure that PAR and NPAs are kept within the acceptable levels.

Drive
excellence in relationship management at the branch, develop regular
customer call schedule/program, resolution of queries/complaints,
monitor utilization of credit facilities and action/escalate as
appropriate using reports & relevant management information to
enable profitable management of this important segment.

Appraise
loan applications making sure that they meet the set standards and
credit requirements using the prescribed score cards and return those
that do not meet specifications to the front office desk for follow up.

Initiate
credit applications for new and existing customers by completing the
documentation with customers, completing the required financial analysis
and submitting applications to Retail credit for approval.

The
jobholder will increase product penetration for the customers under
management by reviewing their portfolio to determine potential cross
sells and proactively recommend new products to customers.

The
incumbent will also receive security documents from customers ensuring
that they meet bank standards and any specific requirements depending on
the facilities offered to the customer.

Follow-up
on all approved loans and ensure that customer information is correctly
captured in the system i.e. standing orders, interest rates, repayment
schedules, limits, review and expiry dates.

Follow-up on irregular accounts and generate actioned arrears report for submission to credit.

Make calls to clients with loans in arrears to support timely collection and generate reports.

Process disbursement requests for all lending products in order to achieve the branch targets

Request
and closely monitor TODs and other overdrafts in the branch portfolio
and highlight those that are of concern to the Branch manager for
action.

Ensure
that all documentation and transactions are in line with local and
regulatory anti-money laundering and KYC requirements resulting into
compliance with KYC, AML & suspicious transactions reporting.

Qualifications, Skills and Experience:

The applicant for the DFCU Bank Business Banker job placement must hold a Bachelor’s Degree

A minimum of four to five years of banking experience.

Excellent sales/networking & relationship management background.

Excellent communication and presentation skills, verbal and written.

Good skills in credit appraisal, analysis and portfolio quality control.

Broad knowledge and understanding of the SME Segment

Good knowledge of the Bank’s products, systems, consumer banking goals/objectives

Excellent interpersonal and negotiating skills required.

Industry and business awareness.

Excellent problem solving and decision making skills.

Good organization & team work (Winning together) skills.

Job application procedureAll
candidates who so wish to join the banking sector in the aforementioned
capacity are encouraged to send their applications with detailed CVs
including present position and copies of relevant professional/academic
certificates to: Vacanciesbank@dfcugroup.com

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